The decentralized finance (DeFi) landscape continues to evolve with greater accessibility, and a major leap has been made for XRP enthusiasts in the United States. onXRP, a forward-thinking ecosystem developed by the XPUNKs community to expand web 3.0 capabilities on the Ripple Ledger (XRPL), has launched a powerful new feature: the ability to purchase XRP directly using credit cards and Apple Pay.
This development marks a pivotal moment for US-based crypto users, offering seamless, compliant onboarding into the XRP economy—without relying on traditional centralized exchanges.
Enhanced Payment Options on onXRP DEX
onXRP’s decentralized exchange (DEX) now supports direct fiat-to-XRP purchases for both global and US citizens through convenient, widely-used payment methods. Users can now buy XRP instantly using credit cards or Apple Pay, streamlining access to one of the most established digital assets in the market.
👉 Discover how easy it is to start buying XRP with your smartphone today.
Apple Pay, Apple’s secure mobile payment and digital wallet service, enables fast, encrypted transactions across apps, websites (via Safari), and in-person touchpoints. By integrating Apple Pay into its platform, onXRP enhances user experience with familiar, trusted technology—lowering the barrier to entry for newcomers while maintaining high security standards.
The new fiat on-ramp is powered by Banxa, a regulated payment gateway provider known for compliance and global reach. It’s accessible directly through the “Cash” tab on the onXRP DEX at dex.onxrp.com/onRamp, allowing users to complete purchases in just a few clicks.
“We present you our fiat onramp powered by Banxa that can be found under ‘cash’ on our dex or directly at: dex.onxrp.com/onRamp”
— onXRP.com (@onXRPdotcom)
Notably, this service is available to users across most U.S. states, excluding New York and Hawaii due to local regulatory constraints. Canadian users are also currently unable to access these payment options for similar compliance reasons.
Despite these limitations, onXRP emphasized that expanding access within the U.S. was a top priority:
“Global and USA citizens (apart from NY and Hawaii) can buy XRP easily now using Creditcard and ApplePay.”
“Sadly we can’t offer these services in Canada due to regulations. However, opening up to most US states was the most important to us. Everyone should have the freedom to decide to buy XRP.”
Expanding Global Payment Support
Beyond Apple Pay and credit cards, onXRP is committed to supporting diverse regional payment infrastructures. For users in the Netherlands, iDeal—a popular real-time bank transfer system—is now integrated, allowing Dutch citizens to deposit euros quickly and securely.
This multi-gateway strategy reflects onXRP’s vision of building an inclusive, borderless financial ecosystem where users worldwide can engage with XRP regardless of their location or preferred payment method.
“There are many more payment options. Including iDeal for Dutch citizens!”
— onXRP.com (@onXRPdotcom)
Such flexibility strengthens the platform’s utility and positions it as a leading gateway between traditional finance and XRPL-based DeFi applications.
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These terms reflect common user queries related to acquiring XRP easily, securely, and within regulatory frameworks—particularly for U.S. residents seeking alternatives amid ongoing regulatory uncertainty.
Ripple (XRP) Ecosystem Grows Despite Regulatory Challenges
While onXRP expands access, Ripple Labs continues navigating its high-profile legal battle with the U.S. Securities and Exchange Commission (SEC). The lawsuit, which questions whether XRP qualifies as an unregistered security, has led several U.S.-based exchanges to delist or suspend trading of the token.
Ripple CEO Brad Garlinghouse has previously stated that if the company loses the case, Ripple may withdraw its operations from the United States—a move that would significantly impact domestic access to its products and services.
Yet, despite regulatory headwinds, Ripple’s real-world utility continues to grow internationally.
Airwallex recently launched cross-border payment services in New Zealand powered by RippleNet, enhancing speed and reducing costs for businesses sending money across borders. This integration underscores XRP’s role in modernizing legacy financial infrastructure.
Additionally, Peersyst Technology—working closely with Ripple—deployed the first national land registry built on the XRP Ledger in Colombia. This blockchain-based solution digitizes property records, increases transparency, and reduces fraud risks in land transactions.
Legal expert Jeremy Hogan praised the initiative as a prime example of crypto utility, demonstrating how distributed ledger technology can solve tangible government and societal challenges beyond speculative trading.
Frequently Asked Questions (FAQ)
Q: Can I buy XRP with Apple Pay in the U.S.?
A: Yes, users in most U.S. states (excluding New York and Hawaii) can now purchase XRP using Apple Pay via the onXRP DEX’s Banxa-powered fiat on-ramp.
Q: Why can’t users in New York and Hawaii use this service?
A: Due to strict state-level financial regulations, particularly New York’s BitLicense requirements, certain crypto services are restricted. onXRP complies with these local laws.
Q: Is buying XRP through onXRP safe?
A: Yes. The platform uses Banxa, a fully regulated payment processor, ensuring KYC/AML compliance and secure transaction handling.
Q: Are there fees when buying XRP with a credit card?
A: Yes, standard processing fees apply through Banxa. These vary based on region and card issuer but typically range between 2–5%.
Q: Can Canadians buy XRP on onXRP?
A: While Canadians cannot currently use Apple Pay or credit cards via the fiat gateway, they may still interact with the DEX using cryptocurrency deposits.
Q: What makes onXRP different from other DEXs?
A: onXRP is purpose-built for the Ripple Ledger ecosystem, offering native integration with XRPL tokens, low fees, fast settlement, and now direct fiat access—making it one of the most user-friendly XRPL-based trading platforms available.
👉 See how you can get started with decentralized XRP trading in minutes.
Final Thoughts
The introduction of Apple Pay and credit card support on onXRP represents more than just a new feature—it's a step toward democratizing access to digital assets. By bridging traditional finance with decentralized innovation on the Ripple Ledger, onXRP empowers individuals to take control of their financial future with minimal friction.
As global adoption of blockchain technology accelerates, platforms like onXRP play a crucial role in making crypto not only accessible but practical for everyday use.
Whether you're a long-time XRP supporter or exploring digital assets for the first time, the ability to buy XRP securely with familiar payment tools opens new doors—right from your phone or browser.